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2025 Bankrate Awards Winner

Best for encouraging payments

Citi Double Cash® Card

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
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on Citi's secure site

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Balance transfer intro APR

0% intro for 18 months on Balance Transfers

Regular APR

18.24% - 28.24% (Variable)

Rewards rate

1% - 5%

Annual fee

$0

Why you'll like this: It boasts an intro APR on par with several top balance transfer cards, plus it rewards your purchases with 1 percent when you buy and another 1 percent when you pay.

Best for welcome offer

Discover it® Chrome

Cardholder rating

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4.4

Bankrate score

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4.0
Bankrate review
Recommended credit score:(670 - 850)
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on Discover's secure site

See Rates & Fees

Balance transfer intro APR

0% for 18 months

Regular APR

18.24% - 27.24% Variable APR

Rewards rate

1% - 2%

Annual fee

$0

Why you'll like this: It offers great short- and long-term value thanks to its combo of a welcome offer, ongoing rewards and an intro APR.

Best for long balance transfer intro APR

Wells Fargo Reflect® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
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on Wells Fargo's secure site

See Rates & Fees

Balance transfer intro APR

0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Rewards rate

N/A

Annual fee

$0

Why you'll like this: It pairs one of the longest intro APR offers on the market with a lower-than-average ongoing interest rate.

Best for rotating bonus categories

Discover it® Cash Back

Cardholder rating

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4.2

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
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on Discover's secure site

See Rates & Fees

Purchase intro APR

0% for 15 months

Regular APR

18.24% - 27.24% Variable APR

Intro offer

Cashback Match

Rewards rate

1% - 5%

Why you'll like this: It blends a generous intro APR and welcome offer with long-term value from high rewards rates and category variety.

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2025 Bankrate Awards Winner

Best for everyday spending

Blue Cash Everyday® Card from American Express

Cardholder rating

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4.3

Bankrate score

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4.6
Bankrate review
Recommended credit score:(670 - 850)
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on American Express's secure site

See Rates & Fees, Terms Apply

Balance transfer intro APR

0% on balance transfers for 15 months

APR

18.24%-29.24% Variable

Rewards rate

1% - 3%

Annual fee

$0

Why you'll like this: It gives you a chance to pay off debt while making the most of your everyday purchases.

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2025 Bankrate Awards Winner

Best for dining

Chase Freedom Unlimited®

Cardholder rating

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4.3

Bankrate score

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4.8
Bankrate review
Recommended credit score:(670 - 850)
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on Chase's secure site

Balance transfer intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

19.49% - 28.24% Variable

Rewards rate

1.5% - 5%

Annual fee

$0

Why you'll like this: Its exceptionally comprehensive reward categories can be a great tool for everyday spending alongside its intro APR offer.

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